TERMS & REFUNDS
MELBARFXSTRATS™ · USDJPY QUANT FINANCE TERMINAL · THE SOFTWARE SUITE™
— LEGAL —

Terms of Service &
Refund Policy

EFFECTIVE 19 JULY 2026 · THE SOFTWARE SUITE™ & A.J. HAKIMI
Please read these Terms carefully before purchasing. By completing payment for any MelBarFXStrats™ plan or pass, you confirm that you have read, understood, and agreed to these Terms and to the Refund Policy set out in Section 5. If you do not agree, do not purchase or use the service.

1WHAT MELBARFXSTRATS™ IS

MelBarFXStrats™ (the "Service") is a USD/JPY quant finance and macro-intelligence terminal operated by The Software Suite™ and A.J. Hakimi (Hakimi Abdul Jabar) ("we", "us"). It provides model-derived analytics, including a signal score, regime classification, volatility and intervention-risk estimates, key levels, and AI-generated commentary from third-party models (xAI Grok, OpenAI GPT).

Not financial advice. The Service is an informational and analytical tool only. Nothing it produces is investment, trading, financial, legal, or tax advice, nor an offer or solicitation to transact. All figures may rely on delayed, estimated, modelled, or third-party data and can be incomplete or wrong. Trading foreign exchange and derivatives carries substantial risk of loss. You act on your own judgement and at your own risk, and should consult a licensed professional before making any financial decision. Past or modelled performance does not guarantee future results.

2ELIGIBILITY & ACCOUNTS

You must be at least 18 years old and legally able to enter a binding contract in your jurisdiction. You are responsible for keeping your access credentials secure. Access is granted to you for your own use; you may not resell, share, sublicense, or redistribute the Service or its output.

3PLANS & PRICING

All prices are in US Dollars (USD) and, unless stated otherwise, are inclusive of any applicable taxes we are required to collect. We offer:

We may change pricing prospectively. Price changes never affect a subscription period you have already paid for.

4BILLING, RENEWAL & CANCELLATION

Subscriptions are processed by PayPal and renew automatically at the start of each billing period using your PayPal account. You may cancel future renewals at any time from within your own PayPal account; PayPal provides this control directly, and cancellation stops further charges going forward.

When you cancel, your access continues until the end of the period you have already paid for, and then stops. We do not partially refund the unused remainder of a paid period (see Section 5). If a renewal payment fails, PayPal may retry it; if it cannot be collected, the subscription is paused and access ends.

5REFUND POLICY

All sales are final and non-refundable, except where a refund is required by law (see 5.2 and 5.3 below). This reflects the fact that the Service delivers immediate, ongoing access to digital intelligence the moment your purchase completes.

5.1 General rule

The 7-day pass, and each paid subscription period (monthly or annual), are non-refundable once the period has begun, including on cancellation. Cancelling stops future billing but does not refund amounts already paid; your access simply continues until the paid period ends.

5.2 EU / UK customers — right of withdrawal

If you are a consumer in the United Kingdom or European Union, you normally have a 14-day right to withdraw from a distance purchase. Because the Service provides immediate digital access, at checkout you expressly request immediate access and acknowledge that you thereby lose your 14-day right of withdrawal once access begins. If you have not yet accessed the Service, you may request withdrawal within 14 days by emailing us.

5.3 Statutory consumer guarantees

Nothing in this policy excludes rights that cannot be excluded by law — including the Australian Consumer Law and equivalent consumer-protection statutes. If the Service is faulty, materially not as described, or fails a guarantee that applies to it, you are entitled to the remedy the law provides, regardless of the "non-refundable" rule above.

5.4 How to contact us about a refund

Email support@melbarfxstrats.cloud with your PayPal transaction or subscription ID. We aim to respond within a few business days.

6ACCEPTABLE USE

You agree not to: attempt to bypass payment or access controls; scrape, resell, or redistribute the Service or its data; probe, attack, or disrupt the Service or its infrastructure; or use it unlawfully. We may suspend or terminate access for breach, without refund.

7THIRD-PARTY DATA & AVAILABILITY

The Service depends on third-party sources (including xAI, OpenAI, Finnhub, FRED, Japan's Ministry of Finance, and other providers) and on serverless hosting. We do not guarantee uninterrupted or error-free operation, continuous availability of any data feed, or the accuracy of third-party data. Features may change, degrade, or be withdrawn. The Service is provided "as is" and "as available".

8INTELLECTUAL PROPERTY

MelBarFXStrats™, The Software Suite™, and the Service's design, code, models, and content are owned by The Software Suite™ and A.J. Hakimi and are protected by law. Your purchase grants a limited, personal, non-transferable licence to use the Service; it does not transfer ownership of anything.

9LIMITATION OF LIABILITY

To the maximum extent permitted by law, we are not liable for any trading or investment losses, or for any indirect, incidental, special, or consequential damages, arising from your use of or reliance on the Service. Where liability cannot be excluded, it is limited to the amount you paid us in the twelve months before the claim. Nothing here limits liability that cannot lawfully be limited.

10CHANGES & CONTACT

We may update these Terms; the "Effective" date above shows the current version, and changes apply prospectively. Continued use after a change means you accept it. Questions? Contact support@melbarfxstrats.cloud.